Chinese phrase
免赔额按次还是按年计算？ miǎn péi é àn cì hái shì àn nián jì suàn
Meaning
Is the deductible calculated per claim or per year?
When to use it
Asks whether a deductible applies per claim or per year. It is a clear, neutral question used when checking insurance terms.
Example dialogue
查留学保险条款，免赔额按次还是按年计算？ chá liú xué báo xiǎn tiáo kuǎn miǎn péi é àn cì hái shì àn nián jì suàn
I am checking the terms of my study-abroad insurance. Is the deductible calculated per claim or per year?
通常按次，但有些条款按年累计，建议看清条款。 tōng cháng àn cì dàn yǒu xiē tiáo kuǎn àn nián lěi jì jiàn yì kàn qīng tiáo kuǎn
It is usually calculated per claim, but some policies accumulate it annually, so it is best to read the terms carefully.